Future Value Calculator
See what a starting amount plus regular contributions could grow to, with a year-by-year table and chart.
Future Value Calculator
Future Value
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Starting Amount
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Total Contributions
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Interest Earned
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Growth Multiple
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Growth of your balance
Year-by-Year Growth
| Year | Opening balance (₹) | Contributions (₹) | Interest (₹) | Closing balance (₹) |
|---|
Assumptions & method
- The nominal annual rate compounds m times a year (or continuously). The growth over one contribution period is i = (1 + r ÷ m)^(m ÷ f) − 1, where f is contributions per year. For continuous compounding, i = e^(r ÷ f) − 1.
- End-of-period timing: balance = balance × (1 + i) + contribution. Beginning-of-period timing: balance = (balance + contribution) × (1 + i), so each contribution earns one extra period of growth.
- The starting amount is invested at time 0. Contributions are level and the rate is constant for the whole term.
- Growth multiple is future value ÷ (starting amount + all contributions). It is a ratio, not an annualised return.
- Inflation, taxes, fees and market volatility are not modelled. Real returns vary year to year.
Results are estimates based on the figures you enter. They are not guarantees and not financial advice.
What is future value?
Future value is what money invested today, plus any regular contributions, is expected to be worth at a later date at an assumed growth rate. It is the forward-looking counterpart of present value. The result depends on four levers: the starting amount, how much and how often you add, the rate, and the time. Compounding frequency changes how often interest is added to the balance, and contribution timing changes whether each deposit earns growth in the period it is made. Because growth builds on earlier growth, the interest column in the table keeps rising while contributions stay flat. The chart compares your balance with the total you paid in, so the gap between the two lines is the growth.